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Y M‘l go i)Y- F é'. Amortization of repaym’elkts. ‘,&N has been a genera®impresâ€" ‘ glon that there was always plenty of ~*‘money 'lv‘lhble in rural Ontario to: _ »tinanc all farm mortgages offered.| f;fi-, is is not as true now in any secâ€" ‘ttonm ‘as formerly, and is not true -t‘ i @H in some sections. Victory bondx‘ (Mitracted large sums of money from \ ®ural Ontario and moreover developâ€"y @d an understanding of bonds ar.d | ‘their‘ advantages for investment ‘Uwphich did not previously exist. Conâ€" lequently many applicants for loans ‘" (Rave‘stated that there was now litâ€" \ We or no money available in their § nity ‘for farm mortgages. \__ Then the rate of interest at six _ per cent. is regarded as reasonable oRe & long term Joan: It is of @l‘:"l‘m, therefore, that the legâ€" h is being taken advaniage of ABy the farmers of the Province, and 'fit it is serving a useful purpose. ~Ac ngly I have been asked to m to set down â€"some of the ‘Smitlal experiences and impressions ‘of the application of this legislation ‘to the farmingneeds of the Province. ~.>In noting the progress shown by Athe figures quoted it is necessary to imember that the, loans are limited _ eertain specific purposes. Acâ€" € ri land, erection of buildings, ; up an estate â€" these .’?x‘ re the purposes in the original Act loans up to 65 per cent. of the @e of the property could he made. y thes6 purposes have now been [,:m the dlle“:r‘ing of encumâ€" brances where such encumbrances "6 not exceed 40 p.c. of the value, ginluo cost of installing the drains. fi;,_lumnoh / as farm _ properties ‘._w hands mainly in the spring _ @e fall it will be seen that the new iystem of loans has just got nicely > and my impression is that it _will become better known and more extensively used as the months and Three Features here are three features of the m â€"which have been commented #avorably \by applicants, These ~ Progressive Banking that keeps _ pace with your requirements EmRm n O C t 09 B development board which adâ€" N the system, explaining the run 'wu system of Ontario. ries should be addressed to A. frow, chairman and chief adâ€" strative officer. wOctober 28 last the Agriculâ€" Development Board passed the Joan under the long term farm jlegisiation of the previous ‘sesâ€" Bince that time joans to the int of about $800,000 have been i4 The Farm Loan System * HMHow The System Works _ & .plain, therefore, that the legâ€" | can pay as much as they like onj B is being taken advaniage of| due date after the third year they B farmers of the Province, and | are quite satisfied. t is serving a useful purpose. As to Red Tape * mgly I have been asked to| |,, . _ . | 5 | to set down â€"some of the pernaps expecting & good denl; ~experiences and impressions | !° ®*P®Ct & skeptical public to beâ€", ) application of this legislation| °ve that any Government or semiâ€" farmingneeds of the Province.| Government organization operates | noting the progress shown by | without red tape. Certainly it is the | gures quoted it is necessary to ' aim of this Board to do so. To comâ€" ‘ nber that the, loans are limited | ply with the Act and to see that thel rtain specific purposes. Ac-! interests of the Province are pro-‘ g land, erection of buildings,| pérly safeguarded, there are som’} htening up an estate â€" these conditions which must necessarily | the purposes in the original Act ; be rigidly insisted upon. Within pans up to 65 per cent. of the] these lines, however, the Board has of the property could he made.| endeavored to make the operation es6 purposes have now been | of the plan as simple as possibl . the dlle“artlns of encumâ€"| from the standpointâ€" of the borrower. #* where such encumbrances | Applications are made direct to the. t exceed 40 p.c. of the value,| Board and ars not passed upon byi‘ he cost of installing the drain®. | any local committee. If the appliâ€" smuch / as farm . properties| cation appears to the Chairman of e hands mainly in the spring | the Board to be within the meaning 1 it will be seen that the MEW ; of the Act than am inspection and m of loans has just got nicoly& valuation, is ordered. The mtm‘ d and my nfnprug;on is that it ; then, comes before the Board as -‘ hicoms befter known and ®OT°} whole for action. As the chairman wively used as the months and , s the permanent administrative offiâ€". go by. as required. Sometimes meetings ~Three Features cer, and as the other members are re are three features of the 1 readily available, the Board meets Wwhich have been commented are held two or three times a week, Â¥orably \by applicants, These { often on very short notice. If the loan is passed the papers are imâ€" Monéy is available. mediately sent on to the solicitors Rate of interest. to have title searched and mortgage Amortization of rapaym’en\ts. papers made out. Here any delay ire has been a genera® impresâ€" there is usually occurs. Sometimes hat there was always plenty Of ; tmere is a slight flaw in the title, ylv‘lhble in rural Ontario to I making it necessary to get the sigâ€" 6e all farm mortgages offered. | the interests of the the borrower, as is not as true now in any secâ€"| nature of someone now several is formerly, and is not true at| thousand miles away. It is in â€"#ome sections. Victory bonds| well as of the Board, that the title sted large sums of money from | be mada absolutely clear, even if it ‘Ontario and moreover developâ€"| takes a few weeks to do s&. As soon A understanding of bonds ard as the solicitors certify thay mort * sdvantages for investment gage papers have been completed h did not previously exist. Conf; cheques are jssued, except where initly many applicants for loans . loans are made for building pur "stated that there was now litâ€"| poses, when cheques are sometimes t. no money available in their| issued from time to time â€" as the wunity ‘for farm mortgages. work progresses. It ~will be seen en the rate of interest at six| that this procedure parallels ordiâ€" fent. is regarded as nuon-blq! nary business practice very closcly @ long term â€" joan. it is, of and iHustrates the determination of fe, two or three per cent. less| the Board to operate on strict busiâ€" prevailing rates in New Onâ€"| ness principles only. [ mnd there is reason to believe | Importance of Inspection fiou Ontario it has a mbnu-l In this work it will be obvious afluence. ** that inspection and valuing is a most t thie feature which appears to important part. The Board is exâ€" following is the first of a serâ€" ‘articles by‘ Mr. W. B. Roadâ€" ITH constantly growing faciliâ€" W tiu.‘l?Bhkoleio fully prepared to serve you in every banking matter that may arise in connection with your business or personal affairs. «_ We offer you every convenience of modern banking mhodo';ipbd -‘ulimflalqgflto!mmun‘ zmmummo By W . B. Roadhouse*® niszation to h transact with us pln:&rmd satisâ€" appesl to many is the basis of reâ€" payment. When the repayment is divided into. annual instalments ‘of principal and interest and . spread over a period of twenty years it gives a sense of permanence and enables a man to make his plans accordingly. . A m"n of 81.17 per thousand dollars borrewed, will discharge â€" the entire loan in 20 years, and this is not much more than the interest payments which would be asked in somé cases otherâ€" wise. Most borrowers are looking forward to have the entire loan disâ€" charged long before the maximum period, but when they are told they perior kind, but it was awvery merry party that arrived not much more than five migutes after Rdwin Chapâ€" mand had first left the tront of that by no~ means _ imposing . edifice. They were driven in a sort of tailyâ€" ho, the horus blowing and galy. cof < The.reins were drawn tightly over &.. six prancing horses as they wfi pulled up before the astonished eyes of the proprietor ot.t’t house, ‘and a number of people descended, somé from the top;~ othu’ trom the . inâ€" side, all chatting and laughing in that abandonment to pleasure which seems to be a characleristic of free "You aré not serious in what you are saying!" she cried reprucUu!ly. "You would never think of abandonâ€" pected and desires to serve the whole Province. Covering such & large territory with such a variety of condtions is a big job and the Board. must necessarily place reâ€" Hance on the information which comes to it from its inspectors. Deâ€" tailed information is asked in regard to the property, its location, @isâ€" tance from markets, schools, roads, soil, buildings, drainage, stock, .etc., etc. In addition a report on the apâ€" plicant. About three years . ago, when .faced with an increase in his rent, he decided to buy. He made a small payment and undertook a substantial mortgage. . The first years he was able to meet his pay: ment, the next year was last year, which was so disastrous toâ€"so many farmers, and he found himself faced with foreciosure. Had he had a start years ago in acquiring his own farm he was satifted his experience would have been different. Estates and Buildings One of the purposes for which loans are authorized under the Act is for straightening up estates, and this had been found of advantage in a considerable number of cases. A farm is left to the oldest son with directions to pay so much to his mother and sisters, or so much to several sisters and brothers. Perâ€" haps the instaiments to be paid are so heavy as to constitute aburden when paid out of annual revenue. Perhaps _ misunderstandings _ and family quarrels arise and the afterâ€" math is unfortunate for all concernâ€" ed. Such confiitions have: been prevented in the cases where a loan has been granted to ‘clean up all such obligations and the numerous small debts have been consolidated into one and based on a clearâ€"cut business basis. â€" . As they dn'oudol one young lady in pearlâ€"gray thrust her arm affec taller than herself, and decidedly mors beautiful. e 4 In Old Ontario naturally the apâ€"| plications for Joans to erect 'mfld-i ings, have nof been numerous, but a number of such applications have | been passed. Here is a cass of a ‘ hundred acre farm with buildings, put down as worth $7,500, free of : debt. Yet the house is only valued , at $200. Hence the owner secures a loan of $3,500 to build a new | house and spreading the payments over a perlod of years will: enjoy the additional oomto}'t while it is being paid for. In othes cases it has been a new barn or improveâ€" .uents to some of the existing| bujldnngs. | s 8mail Holdings + Not very many loans have been inam on small holdings. Under the Act repayments on any loan placed on less than fifty acres must be made in five anmual instalments. The object of this provision was to limit the number of loans ob small land values in such itu more rapidly and a markin d# seeus Ity of 35 per cent. m m wiped out." At the ~thme the is much to be said in fay the man who is skilled in raising intenâ€" sive crops, and is able to producs as much off ten acres© as others would off one Rundred. Bome wiy commensurate with adequate securâ€" ity should be found to extend asâ€" Quum in worthy cases, but it can only be dong by amending the Act, which is a matter for another »3# slon." In the meantime, a few are securing loans to repiy in the five TINC LNC MGINDOT CL IORHE CAE j °_\ gtead. acreages, as it is rec pn} "A land values in such ies | ansy, more rapidly and a d secur: ukng m ie hn ny ity of 35 per cent. wn" wiped out." At the ~fhme i o4 is much to be said in favor 64 the| °_ . _ Repayments are . probably â€" the final test of the. successof any loaning scheme. No repayments are due under this scheme until fail, and hente mo evidencs on ihu;hter. I feel as if half an hour ~in that dilapidated woods would be little short of heaven.‘" a i "Shall â€"we go forf & little walk* ‘ There are some very interesting points in this vicinity!" 7 compare with this in â€" all . England, You will not miss us much even at first, and in a week you will have forgotten,‘ while 3t 'T'::l of two ‘we will"Join you at ‘Ipswich. â€" You see it will not be so bad atter al}** "You have already arranged / it with Mr. Quintard, then?" A "Yes, I wanted him to allow me to remain with my maid, but Charlie and Ellie had fallen in love with the county~ around Manstield,‘ also, ‘and they will allâ€"stay. It will only be for two weeks, dear." Then there were a number of goodâ€" bye, the waving of a lot of handkerâ€" chiefs, and the tallyâ€"ho had â€"gone again, leaving ‘three ladies. and two gentlemen, with their ‘maids and valets in the distance, standing upon the nu’) â€" ® "Thank you, no. I have some letâ€" ters, and a nap is the most alluring thing . that 17 can imagine at: the present time. ,/Goodâ€"by, Duchess. See all that is .best so that you can take me ‘toâ€"morow when I won‘t have to explore to find what one ought fo see.‘ It is such a lot of trouble." "I share your indolence for once, Ellie!" exclolm‘d Quintard, patting his daughter‘s cheek. â€" ‘"There.. Run away, children, but be sure that you are here in time for supper." "No. If fou were going I should be glad, but there is that visit to Ireland that you have promised to make with Miss Parkland and her mother. Do you think it is exactly the right thing for you to leave your father and mother for so long?" "The quiet is altnost a ‘reli6f!‘" exâ€" claimed the young woman who had proposed remaining behind.~ "One ‘"You speak as though we were «ondemned to some dreadful death at the end of that time," she laughâ€" ed. . Shall you not be glad to start for America ?" The speaker was a ha.édsome young man whose face flushed &s he put his simple question; but the anâ€" swer was unaffected enough. "I should like it above all thinks. Will you come, Eillie?" 4 uB ioi i diorofhin n nnd h ic s 1x d "I don‘t think you need fée! any uheassiness on that score," laughed Mis#:â€"Beaufort. _ "My â€" appetite is something that never falters in its constancy." "Do you realize that we have but four weeks before us?‘ he asked, drawing his hat down over his brows as though to keep out the sun. Bhe waved a kiss form the tip of her fingers to Mrs. Quintard and went slowlyr toward Birkland with Charles Quintard swinging along at The royal face darkened, a slight quiver touching the sensitive lips. ‘"Duchess, won‘t you tell me what occurred back there in the old home, that has made you despise America because it occurred there? 1 may. be wrong to ask you, but surely you know how much 1 have your in terests at heart." f ‘"Perhaps it is not," she returned wearily. "But what is one to do? I lgu my home, and yet T feel as though the very air would strangle me there now. Noâ€"no! Not yet." "A dream and an awakening!" she ahé#wered enigmatically. "There are many things that boys should not know, Charlié.. Some day perhaps you will learn that it is not safe to put questions like that to a woman." »He grew very pale, stopping short with his back against a tree. The shadow had darkened upon the lovely face for a moment, then faded, and a/ smile dawned in its ‘"Duchess," he said unsteadily. God‘ knows 1 would not say that which would pain you fo the world, but it may be very greatly for my happiness that you should tell me. 1 upon me as anything but a boy, as She kissed the pretty tinted cheek, _ "Don‘t speak to me like that, Ducâ€" hess. ‘If you tell me isat my love never can be returned, I shall try to bear it bravely &Â¥ a man should, but 1 should ‘not like to think in the time that will come that °I. made myself Fidiculous to you! ‘I should â€"â€"" "Charke!"*"~~ >( * m ‘"But now it is diffferent ! Iâ€"Iâ€"I can‘t tell you how it is with me, to ‘Bave my life, Duchess, but I love yoy with all the soul I hare! 1 have meant to tel} you.many times, but I was afaid. ‘It was*the most extraâ€" ‘"There!" ‘I am taiking â€" like( Ahe boy that T "have begged of‘ you not to believe me, T know, but I am not like ‘other ‘fellows, Duchess. , They how to tella gifl that they Tove Her from practice upon Othes, but I nevâ€" er did that in my life, because you are. the only one, for~whom 1 ever cared, and it has gone:so.deeply into my heart that it seems impossible to force it out. Even while knowing you to ‘be the wife of another man, I knew that there.could never be any possible chance of happiness for me in life wlthogt_ you; but, of course, I would have bittéen my‘ tongue out before I should have referred to it then. C never ‘so astonished in my life!" > under an impulse of generosity she put out her hand and allowed him to e hy ‘ane ie ol o matce orinary thing you ever knew! . And now that I have done it, I wish you would put me out , of my misery, Duchess. TIkfow Jm you could not love me; I féel it down in my heart like the toil of the bell of death, but â€"â€" Oh, Duchess, I love you! With you the decades of yeas that are to come promise a blissful time and which not even heaven ‘could comâ€" pare. Without you 1 can see nothâ€" ing but the gave, following a long, sunless blank. Will you be my wife, ®But you‘re not" displeased!:â€"~Tell me that,~ Duchses?~ Yow doâ€" mot inâ€" tend to withdaw ‘you friendship ftrom tme because I m.m to something higher?" ~ _ ~â€"|â€". There was a wistfuiness . in his voice that toughed her. The quick tears sprang to her eyes, and acting clatmed wm‘:,t littte effort at lightâ€" ness. "Of course I am not displeas There was tragedy, noteven the wild yearning that one reads of, in the deep, manly voice, but there was a tenderness, <a‘ wistfulness . that touched the sore heart in the place where it was most â€"susceptable of influence. " ’ . She knaw how it was .with him fom her own experience. â€" He had dropped her hand as though he fearâ€" edâ€"to old it Jonger, but stxci‘there betore her with his ayes fixel 1pon hers imploringly. i His face was so strangely white that she put out ber hand, as though to give him strength. <He stailed, but the effort was pitéously wan. *~"It is nothing," he. forced himseilf to say. "I expected it, of couse(, but one can‘t help feeling a Httie upset by a thing like that, even when one has had no hopse. 1â€"aballâ€"recover from itâ€"in timeâ€"I suppose. You must not think that you baye burt tmeâ€"so déeply thatâ€"I shall not re cover from it. 1 would not have you feel that for the world, forâ€"â€"" _ With all his generomity he ‘could not quite complete the sentence, but covered his face with his hand and "I wish I could answer you as I should like, Charlie," _ she replied very gently. . * c All the heart she had that was not | _© s buried (with the memory of Bdwin | Premier Takes Issue Chapman . went out to him, sad,| °_ With "No Politics Order" stepping impulsively . forward, she PÂ¥ remzors m _ placéd hethand upon his arm. _‘ _ | 18 resporise to an tmquiry from W. (To be continued) _ | D‘ Bayley ‘ot Winnipeg, .a member A magple seenâ€"neat a dwelling in Scotiand is bel‘eved to porterid death to one ‘of its infaates. * =| _ ® â€" Alittle sigh fNuttered up from ber i art and ras{ed upon ber lips. "Hive I offended ‘you, deart" <\ "How absurd you are!"‘ ‘she ‘ex Â¥ow! senlority on the Government lings. \] _‘ 1t was definitely * stated : \by t l ‘head | of <the Opverament that | t] this mornifig.when Hon. Dr. H. 8. Beâ€" langd, Minister of, Health and . 8oi. diers‘ . Civil\i Reâ€"establishment and Miss\ Harriet. Van Lacthem ot. Otâ€" Tndieant REGINA, July 21.â€"Hon. W..L. ‘Martin, former Premier of Saskatchâ€" ewan, who has been appointed to the bench, yesterday tendered his rebigâ€" nation to the Government as meinâ€" ber in the Saskatchewan.â€"Legisiature tor. the city of Regina, and the reâ€" signation was ‘announced â€" in the House immediately after the apen: ing ceremony. of the special wheat board session today. » Mr. Martin. was one of two memâ€" bers .elected to ‘represent the city of Regina at large, the other being Col. J. A. Cross, Attorneyâ€"General. His régignation creates a vacamcy which, will have to be filled at a later date by a byâ€"election. ‘ No announceâ€" _ment hHas as y6t been made when the alection will be Held. Hon. Dr. Beland Weds _ \‘£ Quietly at Ottawa tawa,. were quistly married at the Sacred Heéeart.church here> by Rev. reau, ~Minister of Customs and Exâ€" ciBe, and: M. Goor,; the Belgian Conâ€" sulâ€"General, were the witnesses. Beâ€" youd «ie â€"participants, the only perâ€" sonms present were the daughter and zonâ€"inâ€"law of Dr. Beland. with her marriage Canadian citizenship Leat Mills were completely gutted by fire today~ The alarm was rung in‘about 11 this morning, and in a tew â€"minutes smoke . was pouring Maple Leaf Miss is _‘ Destroyed; Loss $150,000 forth from the building. The town fire departmient! was ‘assisted by Crowland,â€" Plymouth Cordage < and Empire Cotton_Mills, ‘but it was not before the afternoon‘ thit the fire wasâ€" under control. ‘ The fire is thought to have start: ed in the purifying room, located atâ€" the rear ‘of the building.= > ‘Second MIll to Burn. ° This is the second fire. to destroy the local mill, the new one having been in operatioh only.a few years. The origin of "the conflagration is thought to be spontaieous combusâ€" tlon, a slight explosion having been, recorded on the top floor. The loss will lfkely reach $150,000. 4 Former Premier is . Elevated to a Judgeship :.<~. WeIl:â€" Known Here. t Mr. Justice Martis is a â€"brother of J; A Martin, manager ‘Ofâ€"the Doniinâ€" ton. Tire Company ‘of Kitchener. Hon.: W. L. Mackenzis King sent a telegram ‘stating vory clearly the Government‘s position in regard. to the right of emiplores of the Capaâ€" diand"" National _ Rallways to offer tharmseives for political office withâ€" OTTAWA. July 20.â€"â€"The sequel:to ;n:‘wpa@t,u‘.m'u'm \of ~‘the " Oprerament : that the rortcairs on the publicly owned: riilâ€" raya should have the same right ‘ ‘IMPERIAL OIL LIMITED ~ 31.â€" today assumes Hana Fanshild,. 17. years . old . of Flint,. Mich., is eritically dl in & loâ€" cal hospital, as theâ€"result of: of her tender heart. She trie4 to.end her Po e e S o o HEART TOO. TENDER mother. â€" asked: < her:.â€"to \ kill . some jured in â€"a storm.. ‘The girl startec fot the coop, and then turned sudâ€" denly and ran> screaming .to the Her nineâ€"yearâ€"old sister ran after her to.the bathroom and: managed to knock a bottle of poison from Jher hand after Edna had swallowed half ui it. Police took her to ‘the hosâ€" pital where it is said â€"herâ€"recovery is doubtful. ; > t Mrs. Fanshild asked her to Kill some baby chicks that Had .been: in "I would rather take my own. life than Kill little baby chickens," she said. T4 The Mother Superior of the House | of the Good Sheperd is dead of L apoplexy, said <Rt. Rev. Michael J.| * Gallagher, Bishop of the. Detroit Dioâ€" | cese, to Bave been brought on by a | viot "of 150 girl inmates of the instiâ€" / tution last Tuesday. il MARTYR TO DUTY She was Motherâ€"Mary of 5t. Franâ€" cis Xavier ‘Re‘dy and was 59 years old. j o Polics were sent to the" House or‘} the Good Shepherd when the out break, of girls got ‘beyond control, the rule of the Institution requiring the appHcation .of persuasion and: not viclence in emforcing discipline, aceording to a statement. made at the Bishop‘s residence. â€"* Mother Mary, however, before the police arrived tried for three houtrs to quell the disturbance, which reâ€" sulted in smashing of windows, dishes and furniture. . The police took 36 of the girls into custody for a hearing in the . Juvenile Court. Eleven escaped. P | The 25 girls being‘ held at the| . boundry. StMSt B Women‘s ~Detention Home in con.| _ °0°® UBt °_ ‘/*"‘ mnection with the riots wept whun‘K‘i‘LLAB.‘ Sll_l‘hé told f ) ~'°"“. i rist m old of the lto}hcr 8§W| dutl? . 4 ers, N Quebec Farmers Have ,_ Organized an Association _ The ma‘h object of the associa= â€"â€"â€"â€" tion, it was pofrited out, was to ereâ€" o'fli ate, ‘in Te agticulitural class, t.hiA anc good understanding necessary to the‘| . ant advancement ° of ~agricuiture. ~ The| 247 farmiér, ho‘ imore than the Iaborer or | * the ‘professional man, can accomâ€" | _ plish individuaily. what his class. f could accomplish. He stromgly «.. b4 sisted upon the independent politt pg â€" cal character. of. that Mhfiflyl fil ""Active. politics;" ‘said> he, "Is not |., De tha â€"object of the United Farmers; | a however, one cannot ask the farmâ€" | Quebec <farmers have © organiz6d, laying the foundation of the United Farmers‘ Association in the County of Befthier, where a meetifg was held this week. SUPERIOR 18 DEAD GIRL: TOK POIS8ON +5 Â¥5t 44 |_ . ant‘s | "247, 1 ers to . tural Je m v‘m * ‘u ® ._' the: accusations ; the hrm.ql"" tario, who, said, coâ€"operate with ing back to the te One of: the; n-m genuine â€" Ivory "1# \ ‘The Alentian. â€" aske, ‘have a~p CLEMENT, CLEM T:N, law otfices, DR 3. J WAJ St. S.. has: stricted to 0 . sultations, 0 1 to ‘8 r.m- Phone. 414 / Block, King woninccc s csevin n IAMES C. B4 Boncitor, Ni abcer, etc. Moleons‘ Ba D. S. BO sCELLEN and y \ _ DR,. A,_ The â€" University suwngfifii 5 Holm. M Phones, Office 13¢ er S1. eases of King St len, B.A., Master ‘in Solicitors, fice upstairs